I think that in time there will be a range of options and some currencies will be used like cash, others to hold. This is actually a potential benefit of tethering SBD to the US dollar as it makes it a relatively stable currency to spend without having to worry if it is going to go up a lot.

But you are right for now at least as people are looking to invest and hold more than spend but this may change as the market stabilize but I don't see that level of stabilisation happening in the near future. For now, it is a collect and hold economy for the most part.